$3.64B
+13.4%y/y
Percentile by value23rd percentileby value
FDIC
ASSETFC
First Community Bank
Bluefield, VirginiaFDIC Cert #13012
STATEEstablished 192069 branches
Holding company: FIRST COMMUNITY BANKSHARES INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst Community Bank reported $3.64B in total assets. Deposits grew 13.94% over the prior year.
Return on assets was 1.48%, compared with an asset-peer median of 1.31%. The leverage ratio was 10.26%.
- Why is Total Assets below asset peers?
- Why is Deposit Growth, Year over Year above asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$3.08B
+13.9%y/y
Percentile by value26th percentileby value
FDIC
DEP$2.42B
+3.1%y/y
Percentile by value19th percentileby value
FDIC
LNLSNET1.48%
−3 bpsy/y
Peer standing67th percentile
FDIC
NETINC + ROA60.87%
+136 bpsy/y
Peer standing33rd percentile
FDIC
NONIX + NIM + NONII + EEFFR10.26%
−11 bpsy/y
Peer standing47th percentile
FDIC
RBC1AAJPercentiles compare this bank with 269 banks from $3 billion to $10 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $3.12B | $2.68B |
| Q3 2021 | $3.13B | $2.69B |
| Q4 2021 | $3.18B | $2.74B |
| Q1 2022 | $3.23B | $2.79B |
| Q2 2022 | $3.24B | $2.81B |
| Q3 2022 | $3.14B | $2.72B |
| Q4 2022 | $3.11B | $2.7B |
| Q1 2023 | $3.03B | $2.6B |
| Q2 2023 | $3.36B | $2.86B |
| Q3 2023 | $3.26B | $2.76B |
| Q4 2023 | $3.24B | $2.74B |
| Q1 2024 | $3.21B | $2.7B |
| Q2 2024 | $3.22B | $2.71B |
| Q3 2024 | $3.17B | $2.67B |
| Q4 2024 | $3.2B | $2.7B |
| Q1 2025 | $3.21B | $2.7B |
| Q2 2025 | $3.16B | $2.66B |
| Q3 2025 | $3.18B | $2.66B |
| Q4 2025 | $3.25B | $2.72B |
| Q1 2026 | $3.64B | $3.08B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $357M |
| Investor CRE | $512M |
| Multifamily | $193M |
| Construction | $58.3M |
| 1–4 family | $952M |
| C&I | $227M |
| Agriculture | $26.5M |
| Other | $130M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.48%67th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE10.54%34th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY4.40%87th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR60.87%33rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP+13.94%83rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET+3.13%32nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.72%42nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ10.26%47th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.87%99th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC205%37th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 233%90th 347%Observations 239
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.48%80th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.40%Median 1.12%90th 1.65%Observations 57
ROE
FDIC
NETINC + ROE10.54%55th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.40%Median 9.51%90th 14.96%Observations 57
NIM
FDIC
NIM + NIMY4.40%79th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.97%Median 3.73%90th 4.54%Observations 57
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR60.87%61st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.41%Median 64.85%90th 85.85%Observations 57
Deposits YoY
FDIC
DEP+13.94%87th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.31%Median +4.47%90th +15.81%Observations 56
Loans YoY
FDIC
LNLSNET+3.13%42nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.80%Median +4.87%90th +17.53%Observations 56
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.72%36th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.51%90th 1.73%Observations 56
Leverage
FDIC
RBC1AAJ10.26%30th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.25%Median 11.03%90th 18.03%Observations 57
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.87%96th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.45%Median 2.44%90th 3.50%Observations 56
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC205%50th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 31%Median 205%90th 331%Observations 45
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.48%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.16%Median 1.60%90th 4.96%Observations 5
ROE
FDIC
NETINC + ROE10.54%25th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 9.21%Median 13.65%90th 53.65%Observations 5
NIM
FDIC
NIM + NIMY4.40%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.32%Median 4.10%90th 4.29%Observations 5
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR60.87%25th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 33.92%Median 52.14%90th 66.73%Observations 5
Deposits YoY
FDIC
DEP+13.94%100th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.60%Median +5.63%90th +11.38%Observations 5
Loans YoY
FDIC
LNLSNET+3.13%50th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.94%Median +3.13%90th +12.97%Observations 5
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.72%50th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.44%Median 0.72%90th 2.24%Observations 5
Leverage
FDIC
RBC1AAJ10.26%50th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.83%Median 10.26%90th 11.46%Observations 5
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.87%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.44%Median 2.53%90th 2.78%Observations 5
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC205%25th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 200%Median 239%90th 385%Observations 5
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
69 domestic branches reported in the latest Call Report.
FDIC
OFFDOMHistory
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data